![]() If you are working with an advisor already that’s main book of business is not Life Insurance I would ask them if they could reach out to a Brokerage General Agency like Crump or like Ash. They’re staffed with call center employees that know very little about insurance. Also, these companies that try to make it fast and easy typically don’t have great service. If the policy is not convertible then you absolutely should not buy it. Having the option to convert the policy into a Whole Life or Universal Life later on is very important. Term policies only pay out 1% of the time simply because people outlive the term. You can always buy another term policy then, but if you outlive that policy then it’s likely you’ll be too old to buy anything else. The first question when buying term insurance is “Is the policy convertible to something permanent?” In 30 years you’ll be 60 which means you’ll likely still have a lot of life left to live. ![]()
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